Guides

Guides for smarter car and loan decisions

Researched, written for everyday Australians, and honest about costs, credit and what lenders look at.

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BudgetingBuying a carApplyingWhen money is tight

Worker stacking tyres in an auto shop with car wheels displayed on the wall

True Cost of Running a Car in Australia: The Full List

Rego, CTP, insurance, servicing, tyres, fuel or charging and tolls: the running costs beside your car loan repayment, and how to estimate each one.

25 October 2026

Black and white photo of a mechanic working on a car before a used car purchase

Buying a car

PPSR Check Before Buying a Used Car: Step by Step

A $2 PPSR search can save you from buying a car another lender can take. How to find the VIN, run the search, read the certificate and when to search again.

25 October 2026

Cup of coffee beside an open notebook, ready to prepare a loan application

Applying

What Lenders Check Before Approving a Car or Personal Loan

Income, expenses, your credit report and the car itself: what Australian lenders check before approving a car or personal loan, and how to prepare.

25 October 2026

Stressed woman with her head in her hands while looking at bills on a laptop

When money is tight

Behind on Car Loan Repayments? Your Options, in Order

Struggling with car loan repayments? How a hardship variation works, the rules a lender must follow before repossessing, and where to get free help today.

25 October 2026

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